{"id":429,"date":"2022-09-25T14:50:59","date_gmt":"2022-09-25T17:50:59","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=429"},"modified":"2023-02-21T23:33:13","modified_gmt":"2023-02-22T02:33:13","slug":"como-reorientar-suas-taxas-de-desconto-e-investimentos-para-tornar-a-existencia-mais-confortavel","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/tr\/como-reorientar-suas-taxas-de-desconto-e-investimentos-para-tornar-a-existencia-mais-confortavel\/","title":{"rendered":"\u0130skonto oranlar\u0131n\u0131z\u0131 ve yat\u0131r\u0131mlar\u0131n\u0131z\u0131 yeniden d\u00fczenleyerek hayat\u0131n\u0131z\u0131 nas\u0131l daha konforlu hale getirebilirsiniz?"},"content":{"rendered":"<p>Her \u015feyin maliyetinin artt\u0131\u011f\u0131 ve maa\u015f\u0131n\u0131z\u0131n bu art\u0131\u015fa ayak uyduramad\u0131\u011f\u0131 uluslararas\u0131 bir ortamda, \u00f6zellikle G\u00fcney Afrikal\u0131lar\u0131n tutumlu olmamalar\u0131 veya ak\u0131ll\u0131ca yat\u0131r\u0131m yapmamalar\u0131yla bilindi\u011fi g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, tasarruflar\u0131n\u0131z\u0131 ve yat\u0131r\u0131mlar\u0131n\u0131z\u0131 yeniden odaklamak \u00e7ok \u00f6nemlidir.<\/p>\n<p>Genesis Analytics&#039;in Sekt\u00f6r Ekonomik Davran\u0131\u015f Otoritesi (FSCA) ile ortakla\u015fa haz\u0131rlad\u0131\u011f\u0131 bir rapor, G\u00fcney Afrika&#039;daki emeklilerin 901.300&#039;\u00fcn\u00fcn emeklilik \u00f6ncesi konut standartlar\u0131n\u0131 koruyamad\u0131\u011f\u0131n\u0131, \u00fc\u00e7te ikisinin ise emeklilik birikimlerinde 50.000 Rand&#039;dan az paras\u0131 oldu\u011funu do\u011frulad\u0131.<\/p>\n<p>Emeklilik i\u00e7in uygunsuz d\u00fczenlemeler riskini en aza indirmek i\u00e7in pratik k\u0131lavuz, \u00e7al\u0131\u015fma y\u0131llar\u0131n\u0131z boyunca maa\u015f\u0131n\u0131z\u0131n en az 151.300 TL&#039;sini biriktirmektir. &quot;Bu a\u00e7\u0131k\u00e7a zorlu bir g\u00f6rev. Emeklilik y\u0131llar\u0131n\u0131z i\u00e7in kazanc\u0131n\u0131z\u0131n 151.300 TL&#039;sinden daha az\u0131n\u0131 biriktirirken gerekli de\u011fi\u015fiklikleri yapmak zor olabilir.&quot;.<\/p>\n<p>Ayr\u0131ca okuyun: Bu bilgilerle de\u011ferli varl\u0131klar\u0131n\u0131z\u0131n de\u011ferini hafife almaktan ka\u00e7\u0131n\u0131n.<\/p>\n<p>E\u011fer &quot;bol miktarda&quot; bak\u0131ma ihtiyac\u0131n\u0131z yoksa, kesinlikle uzun s\u00fcrmez.<\/p>\n<p>\u201c&quot;Ancak, &#039;yeterli&#039; paran\u0131z olmad\u0131\u011f\u0131 s\u00fcrece tasarrufu ertelemek ba\u015far\u0131s\u0131zl\u0131kla sonu\u00e7lanabilir. Yat\u0131r\u0131ma \u00f6ncelik verip, daha acil ya\u015fam tarz\u0131 isteklerine harcama yapma cazibesine kap\u0131lmadan \u00f6nce uzun vadeli isteklerinize para ay\u0131r\u0131rsan\u0131z, ba\u015far\u0131l\u0131 olma olas\u0131l\u0131\u011f\u0131n\u0131z \u00e7ok daha y\u00fcksektir,&quot; diyor PSG Wealth&#039;in Akt\u00fcerya ve \u00dcr\u00fcn Ba\u015fkan\u0131 Jan van der Merwe.<\/p>\n<p>Ona g\u00f6re kilit nokta, m\u00fcmk\u00fcn olan en k\u0131sa s\u00fcrede ba\u015flamak ve oradan yola \u00e7\u0131karak, sahada sa\u011flam bir temel olu\u015fturarak ilerlemektir.<\/p>\n<p>daha fazla inceleyin<\/p>\n<p>Moneywise Week&#039;e kat\u0131lanlar\u0131n say\u0131s\u0131 bu y\u0131l yetmi\u015f dokuzdan 102&#039;ye y\u00fckseldi.<\/p>\n<p>A\u015fa\u011f\u0131da ba\u015flaman\u0131za yard\u0131mc\u0131 olacak baz\u0131 talimatlar bulunmaktad\u0131r:<\/p>\n<ul>\n<li>Teslimat maliyetlerinde m\u00fcmk\u00fcn olan en k\u0131sa s\u00fcrede tasarruf sa\u011flanmas\u0131na \u00f6ncelik verilir, ancak k\u00fc\u00e7\u00fck katk\u0131larda bulunarak ve her 12 ayda bir sat\u0131\u015flar\u0131n\u0131z\u0131 istikrarl\u0131 bir \u015fekilde art\u0131rabilirsiniz.<\/li>\n<li>Enflasyona ba\u011fl\u0131 olarak elinizde tuttu\u011funuz de\u011ferleri y\u0131ll\u0131k olarak g\u00fcncelleyin.<\/li>\n<li>Harcad\u0131\u011f\u0131n\u0131z t\u00fcm paralar\u0131n kayd\u0131n\u0131 tutun ve bunu her ay b\u00fct\u00e7enize g\u00f6re g\u00f6zden ge\u00e7irin; ayr\u0131ca harcamalar\u0131n\u0131z\u0131 kontrol etmenize yard\u0131mc\u0131 olacak \u00f6nemli uygulamalardan birini kullan\u0131n. Bu, harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131z\u0131 nerede de\u011fi\u015ftirmeniz gerekti\u011fini g\u00f6rmenize yard\u0131mc\u0131 olabilir.<\/li>\n<li>&quot;Kom\u015fularla yar\u0131\u015fmaktan&quot; ka\u00e7\u0131n\u0131n. \u00d6rne\u011fin, cep telefonunuzu bir iki y\u0131l daha kullan\u0131n, araban\u0131z\u0131 birka\u00e7 y\u0131l daha iterek kullan\u0131n ve en pahal\u0131 marka \u00fcr\u00fcnlere, yani k\u0131yafetlere harcad\u0131\u011f\u0131n\u0131z miktar\u0131 s\u0131n\u0131rlay\u0131n.<\/li>\n<li>\u0130\u015f de\u011fi\u015ftirdi\u011finizde emeklilik birikimlerinizi her zaman koruyun ve i\u015f de\u011fi\u015ftirdi\u011finiz takdirde emeklilik tasarruflar\u0131n\u0131z\u0131 \u00e7ekmeyin.<\/li>\n<\/ul>\n<p>\u201cZamanla, yapt\u0131\u011f\u0131n\u0131z bu k\u00fc\u00e7\u00fck de\u011fi\u015fiklikler ve fedakarl\u0131klar, kademeli ve istikrarl\u0131 bir \u015fekilde birikecektir. A\u015fa\u011f\u0131daki tablo, tasarruflar\u0131n uzun bir s\u00fcreye yay\u0131lmas\u0131 durumunda elde edilen katlanarak artan kar\u0131 g\u00f6stermektedir. Bu, tasarruf s\u00fcresinin 15 y\u0131lla \u00e7arp\u0131lmas\u0131 durumunda, ay\u0131rd\u0131\u011f\u0131n\u0131z miktar\u0131n neredeyse iki kat\u0131na ula\u015fabilece\u011finizi g\u00f6stermektedir \u2013 bile\u015fik faiz ger\u00e7ekten de alan\u0131n 8. harikas\u0131d\u0131r.\u201d<\/p>\n<p>30 g\u00fcn boyunca tasarruf edilen hacim (R) Tam indirimlerden yararland\u0131\u011f\u0131n\u0131z y\u0131l aral\u0131\u011f\u0131 (R) \u0130ndirimlerin s\u00fcresinden sonraki toplam de\u011fer, hobi harcamalar\u0131 dahil (R) Ayr\u0131lan indirim oranlar\u0131n\u0131n \u00fczerinde al\u0131nan hacim (R) Toplam birikmi\u015f hacim, tam tasarruflar\u0131n y\u00fczdesi olarak ayr\u0131 ayr\u0131 1.000 5 60.000 72.945 12.945 122% 1.000 10 y\u00fcz yirmi.000 y\u00fcz seksen 124 60 124 y\u00fcz elli% 1.000 15 y\u00fcz seksen.000 337.606 157.606 188%<\/p>\n<p>Varsay\u0131m: Getiriler y\u0131lda bir kez ,5 oran\u0131nda bile\u015fik faizle hesaplan\u0131r.<\/p>\n<p>Daha fazla bilgi i\u00e7in: Cenaze sigortan\u0131z\u0131 iptal etmeyi mi d\u00fc\u015f\u00fcn\u00fcyorsunuz? Doland\u0131r\u0131lmaktan nas\u0131l ka\u00e7\u0131naca\u011f\u0131n\u0131z\u0131 \u00f6\u011frenin.<\/p>\n<p>\u0130ndirimleriniz ve yat\u0131r\u0131mlar\u0131n\u0131zda gerekli ayarlamalar\u0131 yapman\u0131z i\u00e7in gerekli \u00f6nlemleri al\u0131n.<\/p>\n<p>Van der Merwe, ya\u015fam tarzlar\u0131n\u0131n ve b\u00fct\u00e7elerin zamanla de\u011fi\u015fti\u011fini, bu nedenle tasarruf ihtiya\u00e7lar\u0131n\u0131z\u0131 kar\u015f\u0131lamaya devam ettiklerinden emin olmak i\u00e7in e\u015fyalar\u0131n\u0131z\u0131 ve yat\u0131r\u0131mlar\u0131n\u0131z\u0131 her zaman g\u00f6zden ge\u00e7irmeniz gerekti\u011fini s\u00f6yl\u00fcyor.<\/p>\n<p>\u00dcr\u00fcn s\u0131n\u0131f\u0131na ve \u00fcr\u00fcn\u00fcn i\u00e7erdi\u011fi temel yat\u0131r\u0131mlara g\u00fcvenin.<\/p>\n<p>\u00dcr\u00fcn s\u0131n\u0131fland\u0131rmas\u0131n\u0131 de\u011ferlendirirken, \u015firketinizin emeklilik fonu d\u00fczenlemesini, belki de emeklilik ayl\u0131\u011f\u0131 (RA) arac\u0131l\u0131\u011f\u0131yla daha iyi bir \u015fekilde analiz edin.<\/p>\n<p>\u201cKendi i\u015finizi y\u00fcr\u00fct\u00fcyorsan\u0131z, bir organizasyon yap\u0131n\u0131z olmaz ve bu nedenle bir emeklilik hesab\u0131 (RA) \u00e7ok faydal\u0131 olur. Ayr\u0131ca, vergisiz bir indirim hesab\u0131, emeklilik kazan\u00e7lar\u0131n\u0131za de\u011ferli ve \u00e7ok y\u00f6nl\u00fc bir katk\u0131 sa\u011flayabilir.\u201d<\/p>\n<p>Van der Merwe, \u00fcr\u00fcn\u00fcn temelindeki yat\u0131r\u0131mlara bak\u0131ld\u0131\u011f\u0131nda, yat\u0131r\u0131m fonlar\u0131 ve hisse senedi portf\u00f6ylerine kar\u015f\u0131l\u0131k gelen \u00e7e\u015fitli se\u00e7eneklerin bulundu\u011funu s\u00f6yl\u00fcyor. Bu ba\u011flamda dikkate al\u0131nmas\u0131 gereken \u00f6nemli bile\u015fenler \u015funlard\u0131r:<\/p>\n<ul>\n<li>Yat\u0131r\u0131m i\u00e7in zaman ufku: \u00d6rne\u011fin, emeklili\u011finiz i\u00e7in hen\u00fcz on y\u0131llar varsa, enflasyonun \u00fczerinde getiri sa\u011flamas\u0131 beklenen yat\u0131r\u0131mlara dikkat \u00e7ekmek amac\u0131yla, hisse senetlerine benzer \u015fekilde, risk-getiri profili daha y\u00fcksek varl\u0131klara yat\u0131r\u0131m yapmak iyi bir fikirdir.<\/li>\n<li>\u00dccretler: Uygun maliyetli bir \u00fcyeli\u011fe yat\u0131r\u0131m yapt\u0131\u011f\u0131n\u0131zdan emin olmak i\u00e7in farkl\u0131 \u00fcr\u00fcn sa\u011flay\u0131c\u0131lar\u0131n\u0131n \u00fccretlerini ve dolar tutarlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n. Bunu yapmak i\u00e7in, \u00fcr\u00fcn sa\u011flay\u0131c\u0131lar\u0131 aras\u0131ndaki maliyetleri incelemek \u00fczere faydal\u0131 Y\u0131ll\u0131k \u00dccret Referans\u0131&#039;n\u0131 (EAC) kullan\u0131n. EAC, yat\u0131r\u0131m y\u00f6netimi, \u00f6neriler ve y\u00f6netimle ilgili \u00fccretleri i\u00e7eren kullan\u0131\u015fl\u0131 bir &#039;maliyet \u00f6zeti&#039;dir. Maliyetleri, y\u00f6neticiden ald\u0131\u011f\u0131n\u0131z geli\u015fmi\u015f rehberlik ve hizmet gibi ald\u0131\u011f\u0131n\u0131z de\u011ferle kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Em um internacional onde os custos de cada coisinha sobem e seu sal\u00e1rio n\u00e3o acompanha, \u00e9 fundamental reorientar seus descontos e investimentos, sobretudo por conta que os sul-africanos notoriamente n\u00e3o economizam e investem de forma satisfat\u00f3ria. Um relat\u00f3rio da Genesis Analytics em parceria com a Autoridade de Conduta do Setor Econ\u00f4mico (FSCA) confirmou que 90% [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-429","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/posts\/429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/comments?post=429"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/posts\/429\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/media?parent=429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/categories?post=429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/tr\/wp-json\/wp\/v2\/tags?post=429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}